Which credit score factors carry the most weight right now, and is paying off small collection accounts better than keeping that cash for our monthly emergency fund?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which credit score factors carry the most weight right now, and is paying off small collection accounts better than keeping that cash for our monthly emergency fund?
1 real search · 1 real-search pass
2026 FICO credit score factors weighting collections paid collection accounts FICO 8 FICO 9 mortgage scoring models CFPB debt collection paying collection emergency savingsGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 FICO credit score factors weighting collections paid collection accounts FICO 8 FICO 9 mortgage scoring models CFPB debt collection paying collection emergency savings Google ↗
- How Do Collections Affect Your Credit? · myfico.com
- How Do I Get a Paid Collection off My Credit Report? · experian.com
- How long does information stay on my credit report? · consumerfinance.gov
- Credit Scores · fhfa.gov
- What is a credit score? · consumerfinance.gov
Queries
1 queries · click a column to sort